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 T 
ABLE OF 
C
ONTENTS
 
Objectives of Studying the Organization
................................................................................................................. 6
 
Brief History of United Bank Limited
..................................................................................................................... 7
 
 Nature of United Bank Limited
............................................................................................................................... 9
 
Business Volume of United Bank Limited
............................................................................................................ 10
 
Branch Network of United Bank Limited
.............................................................................................................. 11
 
 Number of Employees of United Bank Limited
..................................................................................................... 12
 
Product Lines
....................................................................................................................................................... 13
 
1.
 
Deposits
.................................................................................................................................................. 13
 
a)
 
UBL Business Partner 
.......................................................................................................................... 14
 
 b)
 
Rupee Transactional Account
.............................................................................................................. 15
 
c)
 
UBL Basic Banking Account- BBA
..................................................................................................... 16
 
d)
 
UBL Uniflex Account
.......................................................................................................................... 17
 
e)
 
UBL Unisaver Account
....................................................................................................................... 18
 
f)
 
UBL E- Transaction Account
............................................................................................................... 19
 
g)
 
Certificate of Deposit (COD)
............................................................................................................... 19
 
h)
 
Regular Term Deposits Receipts
.......................................................................................................... 20
 
i)
 
Foreign Currency Savings
.................................................................................................................... 21
 
 j)
 
Foreign Currency Term Deposits Receipts
........................................................................................... 22
 
2.
 
Advances (Cards & Loans)
...................................................................................................................... 23
 
a)
 
UBL Credit Card - Chip Credit Card
.................................................................................................... 23
 
 b)
 
UBL Wiz - Pakistan¶s First Prepaid Visa debit Card
............................................................................. 26
 
c)
 
UBL Wallet - Visa ATM Debit Card
.................................................................................................... 26
 
d)
 
UBL Address - Home Loan Facility
..................................................................................................... 28
 
 
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e)
 
UBL Businessline - Business Financing Loan
...................................................................................... 31
 
f)
 
UBL Cashline - Running Finance Facility
............................................................................................ 32
 
g)
 
UBL Drive - Auto Loan
....................................................................................................................... 34
 
h)
 
UBL Agricultural&nbspLoan
............................................................................................................... 35
 
i)
 
UBL Small Business - SME Loan
........................................................................................................ 36
 
3.
 
Remittances
............................................................................................................................................. 37
 
a)
 
Demand Drafts
.................................................................................................................................... 37
 
 b)
 
Travelers Cheques
............................................................................................................................... 37
 
c)
 
Letter Of Credit
................................................................................................................................... 38
 
d)
 
Foreign Remittances
............................................................................................................................ 38
 
e)
 
Swift System
....................................................................................................................................... 39
 
f)
 
Mail Transfer 
....................................................................................................................................... 39
 
g)
 
Telegraphic Transfer 
............................................................................................................................ 40
 
h)
 
Pay Order 
............................................................................................................................................ 40
 
4.
 
Miscellaneous
.......................................................................................................................................... 40
 
a)
 
UBL Tezraftaar 
................................................................................................................................... 40
 
 b)
 
UBL Tezraftaar Cash
........................................................................................................................... 41
 
c)
 
Hamrah
............................................................................................................................................... 41
 
d)
 
UBL Net Banking
................................................................................................................................ 42
 
e)
 
UBL E-Statement
................................................................................................................................ 42
 
Organizational Structure of United Bank limited
................................................................................................... 44
 
Organizational (Management) levels at UBL
........................................................................................................ 45
 
Top Managers
.................................................................................................................................................. 45
 
Middle Managers
............................................................................................................................................. 46
 
First Line Managers or Lower Level Management
............................................................................................ 46
 
 
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 Non Managerial Employees
.............................................................................................................................. 46
 
Hierarchy of United Bank Limited
........................................................................................................................ 47
 
Organization Structure of the Branch
.................................................................................................................... 48
 
a)
 
Centralized Decision Making
................................................................................................................... 48
 
 b)
 
Downward Communication
..................................................................................................................... 49
 
c)
 
Chain of Command
.................................................................................................................................. 49
 
d)
 
Authority and Responsibility
.................................................................................................................... 50
 
e)
 
Delegation
............................................................................................................................................... 50
 
Departments of the Branch
................................................................................................................................... 51
 
1.
 
Clearing House Department
..................................................................................................................... 51
 
2.
 
Remittance Department
........................................................................................................................... 55
 
3.
 
Account Opening Department
.................................................................................................................. 58
 
4.
 
Cash Department
..................................................................................................................................... 59
 
5.
 
Deposits Department
............................................................................................................................... 61
 
6.
 
Advances Department
.............................................................................................................................. 61
 
7.
 
Computer Department
.............................................................................................................................. 63
 
a)
 
Online branches
................................................................................................................................... 63
 
 b)
 
Batch Branches
.................................................................................................................................... 63
 
c)
 
Manual Branches
................................................................................................................................. 63
 
8.
 
Pension Disbursement Department
........................................................................................................... 65
 
9.
 
Accounts Department
.............................................................................................................................. 65
 
Structure of Branch¶s Accounts Department
......................................................................................................... 68
 
Bank Accounting Operations
................................................................................................................................ 71
 
Role Of CFO (Chief Financial Officer)
................................................................................................................. 73
 
Use of Electronic Data in Decision Making
.......................................................................................................... 77
 
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